A 股代码：600015 A 股简称：华夏银行 编号：2025—63 华夏银行股份有限公司 关于公司章程修订获核准并撤销监事会的公告 华夏银行股份有限公司（以下简称"本行"）于 2025 年 5 月 13 日召开 2024 年年度股东大会审议并通过了《关于撤销华夏银行监事会的议案》《关于修订〈华 夏银行股份有限公司章程〉的议案》等议案，本行 2025 年第二次职工代表大会 审议并通过了《关于监事会撤销后职工监事不再任职的议案》，相关内容详见本 行 5 月 14 日刊载于上海证券交易所网站（www.sse.com.cn）的《华夏银行股份 有限公司 2024 年年度股东大会决议公告》《华夏银行股份有限公司关于监事会 撤销后职工监事不再任职的公告》。 近日，本行收到《国家金融监督管理总局关于华夏银行修改公司章程的批复》 （金复〔2025〕719 号）。国家金融监督管理总局已核准本行修订后的公司章程。 修订后的公司章程全文详见上海证券交易所网站（www.sse.com.cn）。本行修订 后的《华夏银行股份有限公司股东会议事规则》《华夏银行股份有限公司董事会 议事规则》与修订后的公司章程同步生效。 自公司章程核准之日起 ...

文件目录 华夏银行股份有限公司 2025 年第二次临时股东会会议议程.................-03- 华夏银行股份有限公司 2025 年第二次临时股东会会议须知.................-04- 审议决策事项： 1. 华夏银行 2025 年中期利润分配方案.....................................................-07- 2. 关于本行与北京银行股份有限公司日常关联交易额度的议案..........-08- 华夏银行股份有限公司 2025 年第二次临时股东会会议文件 二〇二五年十二月二十六日 会议召集人：华夏银行股份有限公司董事会 主 持 人：杨书剑董事长 一、宣布会议开始 二、宣读本次会议须知 三、审议各项议案 1. 华夏银行 2025 年中期利润分配方案 2. 关于本行与北京银行股份有限公司日常关联交易额度的 议案 四、股东发言 华夏银行股份有限公司 2025 年第二次临时股东会会议议程 会议时间：2025 年 12 月 26 日上午 9:00 会议地点：北京市东城区建国门内大街 22 号 华夏银行大厦二层多功能厅 九、参加会议的相关人员在 ...

12月18日金融一线消息，华夏银行公告称，近日，本行收到《国家金融监督管理总局关于华夏银行修改 公司章程的批复》（金复〔2025〕719 号）。国家金融监督管理总局已核准本行修订后的公司章程。修 订后的公司章程全文详见上海证券交易所网站（www.sse.com.cn）。本行修订后的《华夏银行股份有限 公司股东会议事规则》《华夏银行股份有限公司董事会议事规则》与修订后的公司章程同步生效。 公告表示，自公司章程核准之日起，本行监事会正式撤销，《华夏银行股份有限公司监事会议事规则》 等与监事会有关的公司治理制度废止；董事会审计委员会行使《公司法》和监管制度规定的监事会职 权。郭鹏先生、邓康先生、马兵先生、赵锡军先生、郭田勇先生、张宏女士、程新生先生、徐新明先 生、王胜春先生不再担任监事及监事会相关职务，其均已确认与本行无不同意见，亦无任何其他相关事 项需要提请本行股东及债权人注意。 责任编辑：李琳琳 12月18日金融一线消息，华夏银行公告称，近日，本行收到《国家金融监督管理总局关于华夏银行修改 公司章程的批复》（金复〔2025〕719 号）。国家金融监督管理总局已核准本行修订后的公司章程。修 订后的公司章程全文详见 ...

华夏银行股份有限公司董事会议事规则 （2025 年 5 月 13 日本行 2024 年年度股东大会审议通过， 并经国家金融监督管理总局金复〔2025〕719 号核准后同步生效。） | | | 目 录 | | | | | --- | --- | --- | --- | --- | --- | | 第一章 | 总 则 | | - | 1 | - | | 第二章 | 董事会的构成及职权 | | - | 1 | - | | 第一节 | 董事会 | | - | 1 | - | | 第二节 | 董事 | | - | 6 | - | | 第三节 | 独立董事 | | - | 10 | - | | 第四节 | 董事会专门委员会 | | - | 16 | - | | 第三章 | 董事会会议的召集 | | - | 21 | - | | 第四章 | 董事会会议的提案 | | - | 22 | - | | 第五章 | 董事会会议的通知 | | - | 23 | - | | 第六章 | 董事会会议的召开 | | - | 25 | - | | 第一节 | 会议的出席 | | - | 25 | - | | 第二节 | 会议的召开 | | ...

Core Viewpoint - The compliance culture of Huaxia Bank is under scrutiny due to multiple regulatory penalties, indicating systemic issues in compliance management and internal controls [1][2][3]. Group 1: Regulatory Penalties - Huaxia Bank's Chongqing branch was fined 500,000 yuan for inadequate employee behavior management, with a sales representative banned from the banking industry for 12 years [1]. - Since 2025, Huaxia Bank has accumulated penalties exceeding 120 million yuan, with over 10 fines issued, particularly in credit approval processes [1]. - In September, the bank faced a fine of 87.25 million yuan for issues related to loan and bill management, and an additional 12 million yuan for non-compliance in investment operations [1][2]. Group 2: Compliance and Internal Control Issues - The bank's penalties in 2025 have already surpassed those of 2024, with recurring compliance issues across various business lines and branches, highlighting a failure to integrate compliance mechanisms into business processes [2]. - The bank's internal control deficiencies were evident, as multiple departments were implicated in regulatory violations, suggesting a broader systemic issue rather than isolated incidents [1][3]. Group 3: Financial Performance - For the first three quarters of 2025, Huaxia Bank reported revenues of 64.881 billion yuan, a year-on-year decline of 8.79%, and a net profit of 17.982 billion yuan, down 2.86% [2]. - The bank's non-performing loan ratio improved slightly to 1.58%, a decrease of 0.02 percentage points from the beginning of the year, while the provision coverage ratio was 149.33%, down 12.56 percentage points [2]. Group 4: Leadership and Strategic Focus - Huaxia Bank has undergone significant leadership changes, with a new chairman appointed in February 2025, focusing on technology and green finance as strategic areas for innovation and digital transformation [3]. - The chairman emphasized the need to strengthen risk management and compliance systems in a recent report, indicating a commitment to addressing the identified issues [3]. Group 5: Industry Context - The regulatory environment for the financial industry has tightened, with Huaxia Bank's penalties reflecting a broader trend of increased scrutiny across the sector [4].

Core Viewpoint - The trend of banks discontinuing co-branded credit cards is increasing, reflecting changes in market dynamics and consumer behavior, leading to a focus on more efficient product offerings [1][4][7]. Group 1: Discontinuation of Co-branded Credit Cards - Guangfa Bank announced the discontinuation of five co-branded credit cards starting February 1, 2026, due to the expiration of cooperation agreements [1]. - Major banks, including state-owned banks and regional commercial banks, have also stopped issuing co-branded credit cards across various sectors such as e-commerce and travel [1][4]. - The phenomenon of discontinuing co-branded credit cards is becoming common, with banks like Zhejiang Rural Commercial Bank and Wuhan Rural Commercial Bank ceasing to issue specific co-branded cards [4][5]. Group 2: Market Changes and Challenges - The credit card market has become saturated, with many users holding multiple cards that are underutilized, prompting banks to streamline their offerings [7][8]. - The decline in the effectiveness of co-branded credit cards is attributed to changing market conditions, where banks struggle to maintain profitable partnerships with co-branding entities [7][8]. - The operational costs associated with maintaining co-branded cards, including high authorization fees and marketing expenses, have led banks to reduce their product lines [6][8]. Group 3: Organizational Adjustments - Banks are undergoing structural changes, closing down several regional centers and consolidating their credit card operations to improve efficiency [9][10]. - The integration of credit card functionalities into main banking apps is a trend, with institutions like Bank of China shutting down independent credit card apps to streamline services [9][10]. - The focus is shifting from acquiring new customers to enhancing the value of existing customer relationships through tailored services and benefits [10]. Group 4: Future Outlook - The total number of credit cards in circulation has decreased significantly, with a drop of approximately 1 billion cards, or 12%, from the peak in June 2022 [10]. - The future competitiveness of banks will depend on their ability to leverage credit cards to enhance retail service offerings and respond to evolving consumer needs [10].

Core Viewpoint - China Jianyin Investment (China Jianyin) and Huaxia Bank signed a strategic cooperation agreement on December 17, 2023, in Beijing, aiming to deepen collaboration in various financial services and support national strategies for economic modernization [1][3][5]. Group 1: Strategic Cooperation Agreement - The strategic cooperation agreement was signed by Liu Zhihong, Chairman of China Jianyin, and Yang Shujian, Chairman of Huaxia Bank, with key executives from both organizations present [1][5]. - This agreement builds on previous collaborations in financial product investment, securities services, trust, fund distribution, and loan credit, establishing a solid foundation for future cooperation [3][7]. Group 2: Areas of Focus - The cooperation will focus on enhancing collaboration in public fund investment, service trusts, special asset disposal, investment-loan linkage, and cultural services [3][7]. - A regular communication mechanism will be established to promote the integration of cooperation from a business level to a strategic level [3][7]. Group 3: Significance and Goals - The signing of this strategic cooperation agreement is seen as a pivotal moment, aiming to expand the depth and breadth of collaboration [3][7]. - The partnership is intended to contribute to national strategies, support the real economy, build a strong financial nation, and assist in the modernization process of China [3][7].

Core Viewpoint - The Changsha branch of Huaxia Bank is integrating the construction of a clean financial culture into its overall management process to enhance high-quality development through a focus on integrity [1] Group 1: Strategic Planning and Ideological Foundation - The branch prioritizes the political construction of the Party and incorporates clean financial culture as a specific action to uphold the "two safeguards" [2] - The Party committee takes responsibility for implementing clean requirements in annual work points, ensuring alignment with business deployment, implementation, inspection, and assessment [2] - Various educational activities are organized to deepen the understanding of Party discipline and financial work among employees [2] Group 2: Institutional Safeguards - The branch is building a clean financial institutional system by embedding integrity requirements into business processes and job responsibilities [3] - Continuous improvement of internal control and compliance management is emphasized, with clear red lines and prohibitions established for business operations [3] - A collaborative supervision mechanism is formed among risk, compliance, and discipline inspection departments to ensure the enforcement of clean financial regulations [3] Group 3: Cultural Atmosphere - The branch aims to create a strong atmosphere of integrity and cleanliness through various promotional channels [4] - Activities such as "clean family style" initiatives extend integrity education to employees' families [4] - The branch organizes engaging activities like themed speeches and art collections to promote clean practices among employees [4] Group 4: Business Development Support - The branch integrates clean culture construction with core business operations, promoting transparent and compliant financial services [5] - Integrity and compliance are emphasized in product design, marketing, and customer service processes [5] - The branch is committed to fostering a loyal, clean, and responsible financial workforce to support the high-quality development goals of the region [5]

Core Viewpoint - The compliance culture of Huaxia Bank is revealed to have significant shortcomings, as evidenced by multiple fines and regulatory actions due to inadequate employee behavior management and systemic issues in compliance and internal controls [2][3][6]. Group 1: Regulatory Penalties - Huaxia Bank's Chongqing branch was fined 500,000 yuan due to employee management failures, with a sales representative banned from the banking industry for 12 years [2]. - Since 2025, Huaxia Bank has accumulated fines exceeding 120 million yuan, with over 10 penalties issued, indicating persistent issues in credit approval processes [2]. - In September, the bank faced a fine of 87.25 million yuan for imprudent management of loans, bills, and interbank business, along with a 12 million yuan penalty for non-compliance in investment operations [2]. - Additional fines in November totaled approximately 13.81 million yuan, targeting violations in core business areas such as account management and anti-money laundering [2]. Group 2: Compliance and Internal Control Issues - The frequency and amount of penalties in 2025 have surpassed those in 2024, highlighting recurring compliance issues across various business lines and branches [3]. - The bank's compliance mechanisms have not been effectively integrated into business processes, exposing systemic flaws in compliance management and internal controls [3]. - A total of eight individuals were held accountable for violations, indicating that issues are not isolated but rather systemic, affecting multiple departments [2]. Group 3: Financial Performance - For the first three quarters of 2025, Huaxia Bank reported revenues of 64.881 billion yuan, a year-on-year decline of 8.79%, and a net profit attributable to shareholders of 17.982 billion yuan, down 2.86% [3]. - The bank's non-performing loan ratio stood at 1.58% at the end of the third quarter, a slight decrease of 0.02 percentage points from the beginning of the year, suggesting some improvement in asset quality [3]. Group 4: Leadership and Strategic Focus - Under the leadership of Yang Shujian, who took over as chairman in May 2025, Huaxia Bank is focusing on technology finance and green finance, aiming for business innovation and digital transformation [6]. - Yang emphasized the need to strengthen risk management and compliance systems in a recent work report, indicating a strategic shift towards enhancing the bank's operational resilience [6]. - Despite accepting the penalties and committing to rectification, industry experts suggest that a comprehensive overhaul of the internal control system is necessary for sustainable business health [6].

Core Insights - The article highlights the integration of sports and finance in Hangzhou, showcasing how the city is leveraging high-profile sports events to promote a culture of fitness and community engagement [1][4][6]. Group 1: Sports Events and Community Engagement - Hangzhou is recognized as a vibrant city with a strong sports culture, hosting various international events such as the ATP250 tournament, which attracts top athletes and engages local citizens [1][4]. - The 2025 Lynk Hangzhou Tennis Open serves as a platform for community activities, with 华夏银行 (Huaxia Bank) sponsoring the event and organizing a series of related activities to enhance brand visibility and community involvement [1][5]. Group 2: Financial Services and Brand Integration - 华夏银行's involvement in the tennis event is part of its strategy to explore the "Finance + Sports" model, aiming to deepen customer relationships and enhance brand value through sports engagement [5][6]. - The bank's "浙家惠" platform is designed to provide a comprehensive financial service ecosystem, integrating various customer benefits and activities that promote a healthy lifestyle [7][10]. Group 3: "浙家惠" Platform Features - The "浙家惠" platform consists of three main components: "浙服务" for service offerings, "家财富" for wealth management, and "惠生活" for lifestyle benefits, all aimed at enhancing customer experience [8][9]. - The platform has successfully organized numerous community events, benefiting over 100,000 participants, and has provided health products to local residents, demonstrating its commitment to community welfare [10][11]. Group 4: Future Directions - The bank plans to continue exploring innovative "Finance +" scenarios to further integrate financial services with everyday life, aiming to create a more connected and supportive community environment [11].